About Thunes Thunes is the Smart Superhighway for money movement around the world. Thunes’ proprietary Direct Global Network allows Members to make payments in real-time in over 140 countries and more than 90 currencies. Thunes’ Network connects directly to over 7 billion mobile wallets and bank accounts worldwide, via more than 350 different payment methods, such as GCash, M-Pesa, Airtel, MTN, Orange, JazzCash, Easypaisa, AliPay, WeChat Pay and many more. Members of Thunes’ Direct Global Network include gig economy giants like Uber and Deliveroo, super-apps like Grab and WeChat, MTOs, fintechs, PSPs and banks. Thunes’ Direct Global Network differentiates itself through its worldwide reach, in-house Smart Treasury Management Platform and Fortress Compliance Infrastructure, ensuring Members of the Network receive unrivalled speed, control, visibility, protection and cost efficiencies when making real-time payments globally. Headquartered in Singapore, Thunes has offices in 12 locations, including Barcelona, Beijing, Dubai, London, Manila, Nairobi, Paris, Riyadh, San Francisco, Sao Paulo and Shanghai. For more information, visit: https://www.thunes.com/ About the role Reporting to the Head of Finance Operations in Manila, we are seeking a highly organized, analytical, and proactive Credit Control and Collections Analyst to join our global Finance operations team. In this role, you will be responsible for managing a complex, multi-currency accounts receivable portfolio and overseeing the collection of outstanding accounts. You will be responsible for evaluating the creditworthiness of new and existing network partners, setting appropriate credit limits, and maintaining a healthy cash flow by minimizing bad debt. You will balance rigorous credit control practices with maintaining strong, positive commercial relationships, playing a critical role in optimizing our working capital and mitigating financial risk. Key Role Responsibilities: Credit Assessment: Evaluate the creditworthiness of new and existing partners by analyzing financial statements, credit reports, and trade references to establish appropriate credit limits and payment terms. Portfolio Management: Conduct regular reviews of existing clients' credit limits and payment history, adjusting terms as necessary based on their evolving financial health and industry benchmarks. Risk Mitigation: Identify high-risk accounts and severe delinquencies early. Recommend and implement effective strategies to recover debt, including negotiating payment plans or escalating to external collection agencies/legal counsel when necessary. B2B Collections Management: Proactively manage the end-to-end collections process for a global portfolio of corporate clients, ensuring timely payment of outstanding invoices via email, phone, and virtual meetings. Account Reconciliation: Perform complex, multi-currency account reconciliations to identify missing payments, short payments, or FX-related discrepancies. Reporting & Analytics: Generate weekly and monthly aging reports, providing management with clear insights into outstanding balances, bad debt provisions, collection progress, and cash flow forecasts. Process Improvement: Identify bottlenecks in the invoicing and collections cycle. Suggest and implement process improvements to enhance efficiency. Things we are looking for: Bachelor’s degree in Finance, Accounting, Business Administration, or a related field. At least 5 years of proven experience in B2B credit control, accounts receivable, or collections. Experience in the fintech, payments, or banking industry is highly preferred. Proficiency in handling complex, high-volume, multi-currency reconciliations. Strong working knowledge of ERP systems (e.g., NetSuite, Oracle) and CRM platforms (e.g., Salesforce). Excel skills (VLOOKUP, Pivot Tables, conditional formatting). Excellent negotiation, persuasion, and conflict-resolution skills. Exceptional written and verbal communication skills in English (additional languages are a strong plus given our global footprint). High attention to detail with a persistent and proactive approach to problem-solving. Ability to thrive in a fast-paced, dynamic, and scaling startup environment.